I haven't seen any therapists worth their fee (by my standards). But, I agree with the general idea that they charge what the market will bear.

I also haven't had any altruistic therapists -- the matter has come up with both current T and former T in different ways and they've both said that it'll be "Adios, Amigo" if I can't ever pay their full fee i.e., my only option would be to reduce session frequency but continue to pay them the full fee of $125-$150.

Neither (same as most other Ts I checked out as well) offers any out of session contact either.

But, having said that, in my specific case, I doubt I'd be able to do certain things -- basically sort out my issues with my bio family -- without a therapist. I can't ignore it any more and all other ways I tried (on my own, help of friends etc) were a disaster.

So, I think if I didn't have this looming over me, I'd reconsider doing therapy at all. To me then, the price being worth it or not depends on the issue and the ease of finding alternate solutions.